A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

Full Bio →

Reviewed by Daniel Walker
Licensed Car Insurance Agent Daniel Walker

UPDATED: Apr 25, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right life insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident life insurance decisions. Comparison shopping should be easy. We are not affiliated with any one life insurance provider and cannot guarantee quotes from any single provider.

Our life insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from top life insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance-related. We update our site regularly, and all content is reviewed by life insurance experts.

Don't miss these facts...

  • A surviving spouse gets social security benefits while caring for a child under 16 years old.
  • A surviving spouse can also get social security survivor retirement benefits beginning as early as age 60.
  • The period of time between when the youngest child turns 16 and the spouse reaches age 60 is known as the blackout period.
  • When calculating the amount of insurance needed to provide for a spouse and children, it’s important to factor in the blackout period.

When a spouse dies, the widow or widower can collect a Social Security benefit if the surviving spouse is caring for a child or children under 16 years old.

This benefit, called a survivor benefit, stops when the youngest child reaches age 16. The survivor benefit starts again when the surviving spouse reaches age 60.

The period of time in between the time the youngest child turns 16 and the time the surviving spouse turns 60 is referred to as the ‘blackout period.’

Most people who collect survivor benefits are subject to this blackout period.  The only situation in which there would be no blackout period would be if the surviving spouse were 44 years old or older when their youngest child was born.

In that case, the survivor would be 60 years old by the time the youngest child turned 16, so there would be no blackout period.

Here’s an example. John and Mary are a married couple with two children. John is 40 years old, Mary is 35, and the children are 10 and 6 when John dies.

Mary can receive survivor benefits for ten years, until the youngest child turns 16 years old.

Then, when Mary turns 60, she can receive survivor benefits again. She would receive a reduced benefit if she filed at age 60, but she would get a full benefit if she filed at full retirement age or older.

The term ‘blackout period’ is a little bit of a misnomer, since it’s actually two different kinds of survivor benefits.

The surviving spouse receives benefits for caring for a child or children up to age 16, and then receive retirement benefits as early as age 60.

Learn more about life insurance below and make sure to use our free comparison tool above! Just enter your zip and start comparing rates today!

Make Sure Your Life Insurance Fills the Gap


Many people buy life insurance to protect their family in the event of their premature death. They may calculate the amount of money their family needs on an annual basis and determine how much life insurance would be required to replace that money.

Sometimes these calculations fail to take the blackout period into account, which could leave a surviving spouse without enough money to live comfortably.

It could be argued that the most expensive time for a parent is after the child is 16.

Paying for college is difficult enough with two parents working; if one parent has passed away, it will be even harder.

The solution to this dilemma is to be sure to purchase enough life insurance coverage to account for the blackout period. The trick is figuring out how much life insurance is enough.

When you are trying to determine the amount of life insurance you need, assume that the policy will need to replace all your income for the years beginning when your youngest child turns 16 and ending when your spouse turns 60, and about 60 to 70 percent of your income in the years before and after that time.

Even the Social Security Administration admits that Social Security only replaces about 40 percent of pre-retirement income for the average worker. If your income is high, the percentage will be even less.

There are many life insurance calculators available that will tell you, based on your income and age, how much insurance you should buy to make sure that your family can still live comfortably if you were to die.

This is one way to figure it out, but it’s helpful to know if the calculator is accounting for the blackout period. To be on the safe side, select the option that says you’re not eligible for Social Security, if there is one.

Enter your zip code below to view companies that have cheap life insurance rates.

secured lock Secured with SHA-256 Encryption

Term Life Insurance May Be Your Best Bet


The least expensive way to provide for your family if you’re not around to do it is by purchasing term life insurance. You only pay for the duration of the policy “the term.”

The younger you are when you purchase a term policy, the less money you will pay.

Many people buy a term policy that will cover them until the children are out of the house, or until the mortgage is paid off.

Just keep in mind that your spouse won’t be able to collect a survivor Social Security benefit until they are over 60, once the youngest child has turned 16.

If you were relatively young when you had children, this could be twenty years or more.

Just keep in mind that your spouse won’t be able to collect a survivor Social Security benefit until they are over 60, once the youngest child has turned 16. If you were relatively young when you had children, this could be twenty years or more.

When you buy term life insurance, as with many other purchases, the more you buy, the lower the average cost.

So a term policy with a face value of $1,000,000 will usually be less than twice the cost of a $500,000 policy.

Term insurance, in general, is very reasonably priced, particularly if you compare companies to get the best rate, so don’t hesitate to buy as much as you think you need, or maybe even a bit more.

You work hard to support your family, and you want to protect them. Having enough life insurance to support your spouse, even during the blackout period, is a good way to make sure they’ll be provided, no matter what.

Don’t miss out on our free comparison tool below! Just enter your zip code and start comparing rates now!